Who Owns My Solar Loan Now? How to Find Your Current Lender or Servicer (California, 2026)

Who Owns My Solar Loan Now? How to Find Your Current Lender or Servicer (California, 2026)

Updated October 13, 2026.



You signed with one company, installed through another, and made your first payment to a third. Now the statement has a name you've never heard of on it. Maybe the lender was sold, maybe it was renamed, maybe the servicing moved. Solar lending has gone through more ownership changes in the last two years than most industries see in a decade, and homeowners are often the last to find out.

This guide shows you how to work out who actually holds your solar loan, who services it, and what changed at the biggest names, including Mosaic, Sunnova, GreenSky, EnerBank, and Sunlight Financial.

How to find out who owns your solar loan (the short version)

1. Read your latest statement or open your payment portal. The name on it is who you're paying today.
2. Pull your credit report. The free reports at annualcreditreport.com show your lender or servicer.
3. Search the state's UCC records. California's UCC search is free and shows who filed against you.
4. Ask the servicer in writing who owns the loan, who services it, and for a current payoff statement.

Details on each step are below.

Lender, servicer, installer, dealer: who's who

Part of the confusion is that several different companies touch one solar sale:

• The installer is the company that put the system on your roof. It may no longer exist.
• The dealer or sales company is the independent business that sold it to you, often a different company from the installer.
• The lender is the company that funded the loan, and the one you owe.
• The servicer collects payments and handles customer service. It can be the lender, or a separate company working for it.
• The owner of the loan may be an investor or bank that bought it after you signed.

A loan can change owner, servicer, or both without you doing anything.

Same company, new name (or new owner)

Some of the confusion is just names. These pairs refer to the same company or its direct successor:

• Palmetto and LightReach.
• EnerBank USA and Regions Home Improvement Financing.
• Spruce Finance and Spruce Power.
• Solar Mosaic's loans and Solar Servicing LLC, which services them now.
• Sunnova's portfolio and Solaris Assets, LLC / SunStrong Management.
• Vivint Solar and Sunrun, which acquired it.

What changed at each lender

Mosaic (now serviced by Solar Servicing LLC)

Solar Mosaic filed for Chapter 11 in June 2025 and no longer originates new loans. Solar Servicing LLC, a subsidiary of Forbright Bank, now services its loan portfolio. According to the companies' own announcement, payment terms and schedules stayed the same. If your loan involves a partially funded or incomplete installation, the servicer has reportedly set up a dedicated process for those cases. See our Mosaic and Solar Servicing LLC guide, and our write-up of West v. Solar Mosaic, a published California appeals decision.

Sunnova (now Solaris Assets and SunStrong)

Sunnova filed for Chapter 11 in June 2025. Solaris Assets, LLC acquired its portfolio, the purchase closed on September 4, 2025, and the bankruptcy plan took effect November 14, 2025. SunStrong Management handles day-to-day operations. The bankruptcy's general claims deadline of August 6, 2025 has passed, so claims about contract issues now generally go to the current owner. See who owns a Sunnova lease or PPA now.

GreenSky (Goldman Sachs, then a Sixth Street-led group)

Goldman Sachs agreed to buy GreenSky in 2021, and from roughly August 2022 to March 2024 Goldman Sachs Bank USA was the originating lender on GreenSky loans. On March 15, 2024, a consortium led by Sixth Street Partners, with KKR, Bayview, and CardWorks, bought the platform. Goldman separately sold its book of GreenSky-originated loans to Synovus Bank. If your loan dates to that 2022 to 2024 window, Synovus may be the actual holder of your note. GreenSky is still financing home improvements, including solar. See our GreenSky ownership guide.

EnerBank USA (now Regions Home Improvement Financing)

Regions Bank announced its purchase of EnerBank USA on June 8, 2021, and it closed on October 1, 2021. At announcement, EnerBank had about $2.8 billion in loan balances, more than 10,000 contractors, and over a million homeowners served since it started. Regions now says EnerBank USA is Regions Home Improvement Financing. A federal case alleging a forged signature on a solar financing agreement is covered in our Lewis v. Regions guide.

Regions' own fact sheet says contractors can offer financing through a Regions-branded program or a dealer network with a private-label program. That's one reason the name on your contract may not be the lender's.

Sunlight Financial

Sunlight Financial filed a prepackaged Chapter 11 on October 30, 2023, listing at least $500 million in liabilities, and emerged on December 7, 2023. It still services loans. See our Sunlight Financial guide.

Palmetto and LightReach

Palmetto Solar also operates under the LightReach name in some markets, so a dispute with one is a dispute with the other.

Spruce Finance (now Spruce Power)

Spruce Finance became Spruce Power, a publicly traded owner and operator of residential solar assets, and it has acquired portfolios from other companies over the years. If your lease, PPA, or loan was assigned to a Spruce entity, the name on your bill may be one you never saw at signing.

Vivint Solar (now part of Sunrun)

Sunrun completed its acquisition of Vivint Solar on October 8, 2020. See our Vivint guide and our report on the multi-state Sunrun investigations.

Titan Solar Power (installer gone, lender still billing)

Titan Solar Power closed in June 2024 and filed Chapter 7. The installer is gone, but the lender isn't. See our Titan Solar Power guide.

GoodLeap and EnFin

Neither has changed hands in this period. See our GoodLeap guide and EnFin guide.

PACE financing (Ygrene and HERO)

PACE financing works differently from a loan: it's an assessment on your property tax bill. See our guides to the Ygrene settlement and the HERO program settlement.

How to find your solar loan servicer, step by step

1. Start with the statement

The company name on your monthly statement or payment portal is the one that counts today. It may differ from the name on your original paperwork, sometimes because it's a brand used for contractors.

2. Check your credit report

The free reports at annualcreditreport.com list your lender or servicer and the account. If a loan appears under a name you don't recognize, that's your starting point.

3. Search UCC filings

A UCC financing statement is how many solar lenders record an interest in the equipment. California's UCC search is free and lets you search by debtor name, secured party name, or file number. Free plain copies of any filing are available, and a certified search costs $5 per name online. For an individual, the debtor name is the one on your driver's license or state ID. Financing statements generally lapse after five years unless continued, and the filing shows a lapse date. Our solar lien guide explains what a filing does and doesn't mean.

4. Look at your property tax bill

A special assessment line usually means PACE financing, not a loan. The program name, such as Ygrene or HERO, is usually on it.

5. Ask the servicer in writing

Ask these questions, and keep the reply:

• Who owns my loan, and who services it?
• When did the servicing or ownership change, if it did?
• What is my current payoff amount?
• Where should I send payments, and is my autopay still active?

What a legitimate servicing transfer notice usually includes

A real notice normally names the new servicer, the effective date, where to send payments, and how to reach customer service. Before you pay a new name, confirm the change through the lender's official website or the contact information on a past statement. Don't rely on a phone number from an unsolicited text or email.

What a transfer changes, and what it doesn't

• It doesn't erase what you owe. The obligation continues under its original terms.
• It doesn't, by itself, change your rate or payment. Your loan's own schedule can, such as an 18-month re-amortization. See why a solar payment can jump at month 19.
• It doesn't erase a dispute. Claims about how the loan was sold generally follow it.
• It doesn't fix a missing utility approval. If your system never got permission to operate, see our Permission to Operate guide.

If you have a dispute, who you send it to

Under the FTC's Holder Rule, 16 CFR Part 433, claims and defenses you could raise against the seller can often be raised against whoever holds your financing. That's why it matters who actually holds your loan now. Our FTC Holder Rule guide explains how it works for solar, and our guide to choosing a cancellation path helps you decide what to do next.

Useful starting points:

• Complaint routes. Our solar complaint agencies guide covers where each one goes, including the CFPB complaint portal.
• The installer's license. Check it on the CSLB license lookup. CSLB's restitution fund is closed to new claims, as we explain in what homeowners can still do after an installer fails.
• Your records. Our documentation checklist covers how to organize them.

Situations where the question gets harder

• Your installer went out of business. The lender is still there. See our guide for homeowners who paid cash when an installer failed and our Harness Power guide.
• You think you didn't sign. A transfer doesn't answer that. See Jones v. Solgen Construction and Tech CU v. Pink Energy.
• You co-signed. See our co-signer liability guide.
• You're selling your home. The holder matters for a payoff, so check the lien and the loan before you list.

Questions about solar loan transfers

Is it normal for my solar loan to be sold or transferred?

Yes. Loans and servicing change hands often. In the Mosaic transition to Solar Servicing LLC, the companies said payment terms and schedules stayed the same.

Does a new lender or servicer mean my payment or rate will change?

Not by itself. But a loan's own terms, like an 18-month re-amortization, can change the payment, so check your agreement and don't assume a change came from the transfer.

How do I know a notice about a new servicer is real?

Verify it through the lender's official website or the contact information on a previous statement before you pay anyone new.

What should I do about autopay during a servicing transfer?

Confirm in writing whether your autopay carried over, and keep proof of every payment during the changeover. That protects you if a payment is misapplied or a transition causes a missed or duplicate draft.

Can I find out who owns my loan if my installer is gone and nobody answers?

Yes. You don't need the installer. Your statement, your credit report, and the state's UCC records can all identify the lender or servicer.

Does a transfer restart the clock on a cancellation or a dispute?

Not generally. Time limits depend on the claim and on when you discovered the problem, and a transfer usually doesn't reset them, so don't wait to find out where you stand.

Not sure who holds your solar loan, or whether your original sale holds up?

Send us your latest statement and your contract and we'll tell you who you're dealing with and where you stand, usually in one 15-minute call.

Call (213) 579-5156 or visit californiasolarexit.com.

Daniel Merritt is a Senior Solar Contract Analyst at California Solar Exit. This article is general information, not legal advice.